So my 2008 Liftback is totaled. Lame

[Sir A.Y. Atoyot]

You can't get a set of plates around here (British Columbia) without proof of insurance. And, the basic insurance at least comes from the government (ICBC). In American eyes, this must be another one of those Canadian "socialist" things like our government medical insurance. Don't get me wrong, I'm all in favor of both govt car insurance and medical - they limit the scope of personal financial disasters.

Sorry about your car - I hope it all works out in the long run.

[Betrivent]

Originally Posted by Sir A.Y. Atoyot

You can't get a set of plates around here (British Columbia) without proof of insurance. And, the basic insurance at least comes from the government (ICBC). In American eyes, this must be another one of those Canadian "socialist" things like our government medical insurance. Don't get me wrong, I'm all in favor of both govt car insurance and medical - they limit the scope of personal financial disasters.

Sorry about your car - I hope it all works out in the long run.

I love the fact that our government is socialist in that regard. The problem is that these socialist policies are being run by capitalist minded people.. which is why our tax dollars are always so inefficiently spent. But at least we all have insurance eh? Thank goodness peopel who get into more accidents get charged more. BUT unfortunately they can probably afford the price hike knowing the demographic..

[tomato]

Originally Posted by Betrivent

I love the fact that our government is socialist in that regard. The problem is that these socialist policies are being run by capitalist minded people.. which is why our tax dollars are always so inefficiently spent. But at least we all have insurance eh? Thank goodness peopel who get into more accidents get charged more. BUT unfortunately they can probably afford the price hike knowing the demographic..

It's the same thing here, too (US). If you get in an accident, even if it wasn't your fault, your insurance goes up.

Your insurance also goes up or down, depending on your zip code. You can always try to argue that you're the same driver whether you live in this area or that area, the insurance doesn't see it that way, so for instance, in San Francisco, insurance is more expensive than 50 miles away from the city.

[DevilGirl]

Originally Posted by tomato

Your insurance also goes up or down, depending on your zip code. You can always try to argue that you're the same driver whether you live in this area or that area, the insurance doesn't see it that way, so for instance, in San Francisco, insurance is more expensive than 50 miles away from the city.

It's not so much a matter of how you drive, but the number of other people on the road around you. If you live in a rural area, your rates are lower because there's less traffic, ergo, less likelihood of an accident. The converse is also true, the more traffic there is, the more likely an accident will occur, therefore your rates are higher.

Just like if you drive a higher number of miles per year, your rates are higher because you're on the road around traffic more.

While a lot of accidents involve only 1 car (like hitting a tree or rolling in a ditch), they are more likely to involve 2 or more cars (rear-ending, t-boning, etc.).